When you're recovering at home after a Hospital stay, you want to keep your self-reliance — stay in control of your health care choices — and get well quickly. But without a backup plan, you may find out too late that you can't afford the home recovery care you want. You could end up settling for home health care that's just not up to your standards.

You could use your savings or retirement income to help pay for home recovery care or you can use your association’s Short Term Recovery Plan. This member benefit was designed and negotiated to help take care of what other plans don't. (Medicare covers a lot, but it was never meant to cover everything.)

The Short Term Recovery Plan provides up to $6,000* each year in cash benefits for hospitalization and your recovery afterward. Covered services include physical therapy, occupational therapy, speech therapy, nursing care, companion services, home health and homemaker services.

*At age 80 the home recovery care benefit will reduce to an annual maximum of $3,000.00 for covered services.

SRP-1151 A (HLA) (5421)

All about your special member benefit
As you probably know, Medicare is generous in what it pays for. But, it was never designed to cover everything. Home recovery care, including home nursing service, physical and occupation therapy, speech therapy, companion care, home health care, and homemaker services, are frequently not fully covered by Medicare. That’s why ASME negotiated this new benefit for you.

EXCLUSIVELY available to ASME members age 65+
This new benefit is not available to the general public. You’d be hard pressed to find it on your own in the general marketplace. This plan was specifically developed for retired ASME members and their spouses age 65 and over enrolled in Medicare to help pay for home recovery expenses Medicare doesn’t cover.

How your Recovery Plan works
The ASME Short Term Recovery Insurance Plan (Recovery Plan) has two parts a Hospital Income/Skilled Nursing Benefit and a separate Home Recovery Care Benefit.

Cash benefits up to $1,200.00
With the Recovery Plan Hospital Benefit, you’ll collect $500.00 once you’re admitted to a Hospital or a Skilled Nursing Facility for at least one day – at any time and for any reason – regardless if you need home recovery care. Benefits are paid directly to you or to anyone you designate.

And, if you find you need longer Hospital care, you’ll collect an additional $500.00 after 14 days in the Hospital. Another $200.00 after 30 days in the Hospital! That’s up to $1,200.00 in cash benefits you’ll get paid to use toward your recovery care.

Up to $6,000.00* in cash benefits
The Association Home Recovery Care Benefit pays you $150.00 in cash benefits for each day (from the very first day) you incur a covered Home Recovery Care Expense. Benefits are paid up to 40 days per year (maximum 20 days per occurrence). That’s up to $6,000.00 in lump sum cash benefits paid directly to you, or anyone you may assign, to help you with your recovery expenses.

And this benefit will be paid in addition to any other insurance coverage you may have.

When your Home Recovery benefits kick in
You’ll get paid cash benefits when your doctor says you need care in your home after a Hospital stay, and Medicare approves the home recovery care your doctor recommends. That’s all there is to it.

Why you should consider this coverage?
When you recover from an accident, surgery or illness, you’ll want to stay independent and in control of your care. But without a backup plan like the Recovery Plan, you may not be able to afford the type of care you want. Or you may have to rely on assistance from your kids, other family members, or your retirement savings for support.

The Association Recovery Plan helps put you in charge of your care. And with this plan, you’ll have the added peace–of–mind knowing you have protection to help you stay independent and confidently make the home recovery care choices you want.

Affordable group rates
ASME created this plan carefully so you’d get benefits for what you need and not pay a dime extra for what you don’t need. Affordable monthly rates start at $19.95. That’s less than a dollar a day. Check out how affordable your rate is:
 

Monthly Rates

For your convenience, you’ll be billed quarterly. You cannot be singled out for a rate increase. Your rates will not be increased or decreased unless they are for everyone in your age group. Rates are based on your attained age and increase as you enter a new age category.

*To keep your rates affordable, at age 80 the home recovery care benefit will reduce to an annual maximum of 20 days or $3,000.00 for covered services. The Hospital Income/Skilled Nursing Benefit remains the same and remains unlimited, regardless of how many times you’re admitted to a Hospital or Skilled Nursing Facility .

All billing modes except annual will include a $2.00 billing fee. To avoid the fee, select EFT as a safe and secure payment option.

Keep your coverage as long as you want
Your protection starts as soon as the first day of the month after we receive your Confirmation Form and first premium payment. Then, you can keep your Recovery Plan as long as you want. Your coverage won’t end due to age, unlike many other insurance plans on the market. As long as the Master Policy remains in force, you only need to pay your premiums when due and remain an ASME member to keep your protection. A member’s spouse’s coverage ends when the member’s does, the Master Policy terminates, and when premiums are not paid. Your spouse can not be legally separated or divorced from you.

Satisfaction Guaranteed
We’ll send you an official Recovery Plan Certificate of Insurance confirming your enrollment. Take up to 30 days to decide if the plan is right for you. If you like what you see, pay your premium. If not, let us know and we’ll cancel your enrollment. No questions asked.

Pre–Existing Conditions
A Pre–Existing Condition means any injury or sickness, diagnosed or undiagnosed, for which medical care is received by a covered person within the 6–month period prior to the covered person’s effective date of insurance. For the purposes of this limitation, we will consider: a) Medical care received when a physician is consulted or medical service is given; or treatment is recommended or prescribed by, or received from a physician; b) Treatment to include but not be limited to, any medical examination, test, attendance or observation; medical services, supplies or equipment, including their prescription or use; or prescribed drugs or medicines, including their prescription or use; c) All manifestations, symptoms, or findings which result from the same or related accident or sickness; or from any aggravations of accident or sickness; are considered to be the same accident or sickness for the purpose of determining a Pre–Existing Condition. Conditions prior to effective date: During the first 6 months of a covered person’s insurance, losses incurred for Pre–Existing Conditions are not covered. This will not apply to loss that the covered person incurs after being free of medical care for the condition for a 6–month period (ending any time on or after his or her effective date).

Exclusions and Limitations
This Plan does not cover intentionally self–inflicted injuries, suicide or attempted suicide, whether sane or insane (while sane in Missouri and Colorado). Any loss caused or contributed to by war or act of war, whether war is declared or not. Pregnancy or childbirth, except complications of pregnancy.

A Hospital or a Skilled Nursing Facility does not mean any institution or part thereof used principally as a rest home, a home for the aged, or a place for custodial care; or a place for the care of drug addicts, alcoholics, or the mentally ill.

Confined or Confinement means being an inpatient in a Hospital due to sickness or injury.

Periods of Confinement in a Hospital separated by less than 90 days and due to the same or related causes are considered part of the same period of Confinement.

This Plan Is underwritten by Harford Life and Accident Insurance Company, Simsbury, CT 06089.

This website explains the general purpose of the insurance described, but in no way changes or affects the policy as actually issued. In the event of a discrepancy between this website and the policy, the terms of the policy apply. All benefits are subject to the terms and conditions of the policy. Policies underwritten by Hartford Life and Accident Insurance Company detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in full or discontinued. Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy issued to the policyholder. This program may vary and may not be available to residents of all states.

Policy Form #SRP–1151 A (HLA) (5421)

 

This insurance pays a fixed dollar amount, regardless of your expenses, for each day you meet the policy conditions. It does not pay your Medicare deductibles or coinsurance and is not a substitute for Medicare Supplement Insurance.

This insurance duplicates Medicare benefits when: any expenses or services covered by the policy are also covered by Medicare.

Medicare generally pays for most or all of these expenses.

Medicare pays extensive benefits for medically necessary services regardless of the reason you need them. These include:

• hospitalization
• physician services
• hospice
• other approved items and services

Before You Buy This Insurance
Check the coverage in all health insurance policies you already have.

For more information about Medicare and Medicare Supplement Insurance, review the Guide to Health Insurance for People with Medicare, available from the insurance company.

For help in understanding your health insurance, contact your state insurance department or state senior insurance counseling program.

Form – PA–9055